How to live BOLD in your personal and professional life, with Ruth O'Neill

What if you could BOLDLY embrace your purpose and step into your greatness?

What if tearing down the walls to perfectionism, self doubt and self worth were the only things stopping you from living a life of purpose?

I'm chatting all this AND more... about money struggles, money beliefs and the best question you could ask about your future wealth.

If you love what you've tuned in to, find out more at www.ruthoneillhq.com

And to find out more about taking charge of your money and investing, head to https://go.mswealthy.com/register

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Simone Mercer Huggins:
I spent the last 10 years learning from the most brilliant minds in money, wealth, and investing to take myself from $20,000 in debt to a multi six figure investment portfolio. He don't know where to start. I get it being that too, but you just being here means you're part of a group of driven women changing the game and taking control. So join in and follow along as they share the secrets towards more money, more investing and more freedom. My name is Simone Mercer, Huggins, and welcome to ms. Wealthy's kiss my money podcast.

Ruth O'Neill:
So thank you so much for coming on the show. I'm so excited to have you on. Yeah, I'm really excited to be here. So thank you. So I'm just going to jump into a couple of rapid fire questions to get to know you a bit more. And then we'll deep dive. Uh, first of all, where did you grow up and Cyrus, Minnesota. What is your favorite quote? That is a really good one. My favorite quote would probably be, don't look back. You're not going that way. Hm. Yeah. I love that one. So good. Um, what is the one thing you love spending money on chocolate? I mean like good chocolate. I'm not talking, not talking anything cheap probably. And then I honestly really love investing in myself and as far as my business, so getting good quality microphones, computers, things like that. I know it's really boring, but, um, I definitely like to have good equipment. Yeah. 90 bit. True. Um, what does money mean to you?

Ruth O'Neill:
Money is something we use as a way to transact back and forth. Um, uh, growing up, I actually didn't have a very good idea, like what money was or, you know, I had a lot of, you know, kind of negative actually, um, feelings towards it. So I'm actually currently working through how I view it and to have a really healthy, I don't know. I think relationship is the wrong word, but I'm going to go with relationship with money. Yeah, I think that's a good, no, I think that's a good word. Well, let's stop there then, because you're in the process of kind of working through it. Where, where, where are you in terms of your relationship with money? Yeah. Well, why not? We grow when we grow up. Um, it was always, we can't afford that, you know, money doesn't grow on trees and being very conservative Catholic.

Ruth O'Neill:
It was almost like if you had a lot of money, you know, like it was evil. And so trying to me as I've been growing through some of these different things, really changing that mindset and, and having money gives you the opportunity to help more people. So the more money that you have, the greater good that you can do to help other people who don't have a lot. So it's actually in, you know, and as I've grown through this, it's actually our moral obligation to try to make as much money as we can so that we can into, in turn do as much good as we're able.

Simone Mercer Huggins:
Yes. Oh my God. I love that. It's so perfect. And I think that that is the, the perfect antidote to remind yourself every day that money is not evil because it's something that so many of us are brought up on that concept. Exactly. A hundred percent. Yeah. Um, and so kind of where you are now, I know kind of, you know, what you, what you do now. I know that you're a mom to two boys, you're a wife. You have, you know, you're on the entrepreneur journey and you help men and women kind of essentially with the personal brand and you have your own podcast called operation bold. Uh, and I kind of want to talk about that a little bit, I guess like what operation bold is you, I wanted to ask you what bold means and kind of how you help entrepreneurs, but also entrepreneur employees. So, you know, also women that have their own job and finding their kind of passion through what they do. You know,

Ruth O'Neill:
I love that so much. Yeah. So there's, there's kind of, you know, there's kind of a huge umbrella to, to what I'm passionate about and what I like doing. So operation bold to start there. Um, I truly believe that, you know, we're created by God, um, to be bold, to be, to embrace our life and the gifts and the talents that we were given and not just to let them kind of fall by the wayside. And as I, when I was brought up, it was kind of, um, innocence you, women were brought up to get married and have babies. Like that is what our quote unquote job was supposed to be. And so for a woman to actually have a career or to want to do something more was kind of looked at as bad. And I honestly don't, I don't think that, I think that God gives us specific gifts and talents, and he puts certain things on our hearts, um, because he wants us to accomplish that.

Ruth O'Neill:
And I'm not saying that it is bad to be a stay at home mom or anything like that, but I don't think it's for everybody. And it definitely was not something for me to, to, you know, do that exclusively. And so, as I was going through this transition and kind of working through the negative things that were coming up, as far as my family and my friends, um, I really kind of landed on the word bold and I was trying to figure out, you know, how can I embrace how God wants me to be, um, in, in a way that others will feel inspired to do the same thing. And so I came up with the acronym for bold, as brave, optimistic, luminous and dauntless, because I think as an entrepreneur, as anybody who's chasing a dream, you have to be brave. You have to be optimistic.

Ruth O'Neill:
You have to let your light shine out. So you need to be luminous and you need to be dauntless. You can't let you know the negative opinions and, um, you know, everything, the challenges you can't let that hold you down. So I truly believe that operation bold is for everybody it's for everybody. Who's just trying to be a better version of, of who they used to be yesterday. Um, and so it doesn't matter if you're an entrepreneur, it doesn't matter if you're a mom. It doesn't matter if you're a grandpa. It means somebody who's wanting to improve their life. So on the show, we talk a lot about business and entrepreneurship. We also talk a lot about self-development because you can't have a strong business if you are not a strong person.

Simone Mercer Huggins:
Yeah, absolutely. And you can't, it's the same with the Creole. You kind of have a strong career if you're not a strong person within yourself. A hundred percent. Absolutely. Yeah. And so, you know, I've seen a little bit of what you do in terms of the topics that you talk about and obviously being brave and optimistic is a big one. I've also seen some things that you talk about on perfection and confidence. And I want to talk a little bit about that because I think that the message that you have around that is really, really, it's really, really good to share and get your perspective on, particularly when it comes to that factoring into our self worth, because that's a big one, particularly for women and it comes up so much and it's so intertwined

Ruth O'Neill:
Comes to money. Couldn't agree more, especially with perfection. I feel that for women, you know, a little bit more so than men, I feel like we put unrealistic expectations on ourselves. If we're trying to be a mom and a wife and run a business and make sure we're eating healthy and make sure we're working out, I feel like we add, we put, you know, 20 things on our to do list every single day. And each of them may be, takes an hour. And by the end of the day, we look at it and we go, Oh, I'm such a horrible person. I only got 10 of these things done when it's, it's not that we're not working hard and it's not that we're not making progress. We're just expecting too much of ourselves. And one thing that has been interesting to me as my husband and I have been going through, I started my journey of entrepreneurship a little over three years ago.

Ruth O'Neill:
And so, you know, um, there were definitely changes that had to happen in our marriage. And I was changing as a person and, you know, trying to be better. And so we, weren't just watching Netflix every night and we weren't just, you know, kind of wasting our weekends. And, um, so you know, some of those different things happen and I feel that when you're trying to move into that direction, um, you feel like if you're not getting there as fast as you want, or if you you're hitting that goal, when you want to, you're a failure and yet many times, and, and, and also people ask you, you know, how do you balance it all? And the thing is, is the balance is something that does not even exist. There's no, it's all about priorities. And it's all about, you know, having the right priorities and sometimes in different seasons of your life, that's going to look different.

Ruth O'Neill:
And sometimes it might look like you needing to spend more time with your children. Maybe they're going through some behavioral things, or maybe they're going to some, you know, some health things. Other times you might need to spend more time with your business and you might not be able to make it to every soccer game. Does that make you a bad parent? No. And two men, a lot of times men are not asked how they balance family and work, but women are, and people want, they want to know how women balance having a family and working. So the women are putting that expectation on themselves that they have to balance all of this. They have to have all the answers when they don't and it's okay to not, it's just having the right priorities and asking for help when you need to. So the whole perfection is all about what is, what is perfect for you right now.

Ruth O'Neill:
And then focusing on that and not thinking that you have to be a Pinterest mom or, you know, somebody else. And other times we look at other moms and we see the great job that they're doing. And we compare their best day on Instagram to our work, stay in our pajamas and our, you know, on showered hair and everything like that. And we compare ourselves and we go, I'm a complete failure because I don't look like her and my kids aren't dressing like that. When in reality, that's just the very best picture in her phone. And, and it's, you know, it's not okay to compare yourself like that because we all go through, I'll go through our ups and downs and our struggles and nobody balances everything.

Simone Mercer Huggins:
No, absolutely. And seeing one glimpse of something. And I don't know if it was a Bernay Brown, that it is her quote, or she quoted someone else. But when she says comparison is the thief of joy, it is, are true. And we have, I find, I find, I don't know if you do the same thing that when I get trapped in that comparison, get under amaze. I always compare up. I don't compare down like, and that's never, like, there's always someone that's looks more put together. That's more wealthy than me. That looks more happy that like whatever. And yet, you know, nothing about their life. And we use that as our barometer. And it's so destructive.

Ruth O'Neill:
Absolutely. I know one thing that, um, that I tell my clients that I, that I use myself as just keep horse blinders on, like put your mission in front of you and don't look at what other people are doing. Don't compare how fast you got there, or how fast they got there. Just you, because everybody's journey is going to look different. Yeah,

Simone Mercer Huggins:
Absolutely. Definitely. And, you know, with the perfection thing, I think that confidence does come into it, kind of having the confidence to let go of perfection and be okay with who you are and what you do. And that everything is a journey and definitely not perfect and perfect. Isn't it even attainable anyway. And I saw on one of your social posts that you talk about how the, you know, you talk about the key to confidence.

Ruth O'Neill:
Yeah. The key to confidence is basically just, it's really owning. It's owning where you're at, it's owning who you are and it's, it's showing up as is the, is the highest version of yourself. I like to say that if you can envision the highest version of yourself, try showing up as that person every single day, and that you will get to that you will get to that place and becoming confident. It's not something that you wake up one day and all of a sudden you have all of this confidence, it's a choice. And so to win, if you're wanting to be confident on our video, the recording for your, your clients, or maybe you're preparing a brief to take to your boss and to present, it's not something that you're just going to happen to be confident, being confident is about acknowledging where you're at, acknowledging the work that you've done and just owning.

Ruth O'Neill:
Yes. I've put time and energy into this. And yes, I know this is great. And even if my boss thinks it's worthless, or even if this person doesn't, um, doesn't think that, uh, you know, this is a good idea or whatever, it's being able to acknowledge that and say, okay, well, this is the best that I could do. And, and being proud. And, and in a sense, patting yourself on the word on the back for the work that you put in, like being confidence is not something that just happens. It's something that you practice and it's something that you tell yourself that, you know, this is the best. And I, and I think that the reason a lot of people are not confident is because they're not fully putting their heart and soul into what they're, what they're doing as far as their job, or as far as something that they're presenting. And so they don't feel confident because they know they could have put in more effort.

Simone Mercer Huggins:
Yeah. Because the passion's not there or the w whatever it is. Yeah. No, I agree. It's like what you believe within yourself shines through, and you can't put a bandaid on that and expect it to hold. Exactly. Yeah, no, that's absolutely. And I think that a big part too, is kind of continuously working on yourself, self development in growing and, you know, up leveling, like who is that next version of yourself tomorrow and next month? And not, not in a sense that it should be exhaustive, but you know, where do you want to show up? Or where do you want to take yourself?

Ruth O'Neill:
Right. And I feel that, um, with self confidence and self development and trying to show up as that person, I feel like a lot of that has to, it it's, it's, it's such a personal journey and there's no, there's no, and it's something that you always have to be working on. So you need to be constantly doing those check ins with yourself. Like, am I doing everything that I can to be the best person that I want to be? Am I showing up as that person and not just showing up as, and I'm getting to my meetings on time. It's, how am I, you know, is that highest level of myself is how does that person dress? How does that person behave? How does that person speak? You know, what does that person put in her body or his body to fuel and nourish it?

Ruth O'Neill:
Like, it's, it's such a, you know, rent is due every single day. And that has to go with, you know, self development as well. Like the key to confidence is literally leveling yourself up. It's showing up as that highest version of you every single day. And that version of you over time is going to change. Because if you asked yourself now, you know, what is the highest version of you? And you maybe thought 10 years down the road, 10 years down the road, when you ask yourself that same question, because of all the things that you've been learning, because you've been on a continuous journey that perfect, that ideal self is going to have changed a little bit. So you'll have different things that you're working towards. So it's not something that you're ever going to, you know, across the finish line and, you know, achieve, it's something that you have to be working on every single day in order to continuously be loving, leveling yourself up. Yeah. And I feel like that is,

Simone Mercer Huggins:
That is what self worth is born out of, you know, kind of stepping up and showing up, and maybe it's asking for a raise or raising your prices or asking for more money, whatever it is, your self worth and your belief in, in you seeing that that is truly the value that you bring in, not wavering on that comes from that self confidence, which comes from your self development.

Ruth O'Neill:
Exactly. And I think as far as self-worth goes, especially in terms of money and in terms of, you know, having setting your prices at something that, you know, you deserve. I think that also comes with the people that you are surrounding yourself with. And also the limiting beliefs that I'll, I can't set at this price because nobody's ever going to pay this, or how am I going to ever find clients to pay for this? You attract the crowd. And I mean, I don't mean to beat on anyone, you know, department store or anything like that. But think about Walmart, you know, Walmart has those low prices. It's going to attract those types of people who like to really save money and who don't necessarily care about particular quality versus if you have like a Nordstrom or Tiffany's, you know, they're to attract a different crowd and it doesn't make one better or worse than the other, it's just different.

Ruth O'Neill:
And so when you're, as far as like your self worth goes, in terms of setting a price for yourself, you have to ask yourself what types of clients do I want to be working with and what do I know I can bring to the table, whether that's me personally, during the coaching and fulfilling, or whether that's me having, you know, hiring a specific team member to help out and fulfill on those certain things, it's all about figuring out how you can add more value. And as you add more value, naturally your price increases. So I think it, in terms of that, we have to strip away those negative, negative beliefs that we have. Um, and that are so common that, you know, we, we feel like nobody's going to pay us, you know, nobody would ever pay more than $50 for coaching or whatever. It's simply not true. And we have to get past that. Otherwise we're really never going to scale and grow our business.

Simone Mercer Huggins:
No, absolutely. And it's the same with Korea kind of, you know, thinking that you can't, you know, I think that there's this notion with the nine to five job that thinking that you can't grow and create wealth and break out of that, but it's not true because there are, there are different levels of quality in companies that pay their employees different amounts and kind of just like you use the Walmart and Tiffany's example, it's the same within companies as well. Would you agree,

Ruth O'Neill:
Read that also wealth is not just determined by the amount of money that you make, but also in the habits in which you spend your money

Simone Mercer Huggins:
100%. And, you know, I always kind of tell my clients and my students that come through my programs, that wealth is not just about money. It's about the quality of life and the choices you have and the time you have and what you're creating, because not everyone values the same thing. And, you know, time is one of those things that every second that goes by, you cannot get that back. But money is something that you can make more of. It's an infinite abundance. And you know, really the true measure of wealth is, is time. And I guess I see money as being an enabler for you to leverage your time and spend it, how you want it.

Ruth O'Neill:
Totally agree. And I think one thing that people, especially mostly us entrepreneurs, sometimes we think that people who work a nine to five, they must be unfulfilled because we were unfulfilled, but they could be absolutely completely happy. And there's absolutely nothing wrong with trading your time for money, if you feel fulfilled. And it's something that lights your heart on fire, there's nothing wrong with that whatsoever. And if that is something that, that drives them and they feel like they are really adding value to the world, then like for me being an entrepreneur or being an entrepreneur employee, it doesn't necessarily, it doesn't matter. As long as that individual is fulfilled and happy, because then the time that they have spent with their family, no matter if it's 20 hours a week or 80 hours a week is going to mean so much to them. So it doesn't necessarily mean it doesn't necessarily have to do with the quantity of time, but the quality of time.

Simone Mercer Huggins:
Absolutely. Yeah. And kind of showing up. And when you have, you know, the lack of stress, you know, when you are fulfilled, you show up in a way higher quality in terms of your, how attentive you are compared to, you know, being whatever it is down or depressed or sad about the quality of your life, because you hate exactly whatever it is. I absolutely agree. Yeah. 100%. Um, so I'm kind of want to hear from you, I guess, you know, what are you, what's the big vision for you and what you're creating with, with, you know, whether it's operation bold or what you do with working with people, with, you know, building their personal brand, um, what's the big vision for you coming up?

Ruth O'Neill:
So it took a couple of years of figuring out really what I love, what I'm good at and kind of really what lights my heart on fire. And over the past year, I have been diving into branding into everything podcasting related to help people to launch their, their brands and their business through podcasting and how to have such a massive impact. And as I was doing that, we've been making some, you know, pivots and what my, my big vision is. I would like to have a, um, you know, a broadcasting and media full service business. That is my, um, that is my, my goal is to have that, that full service so we can really make a really big impact. And also, um, we're holding retreats and live events to really help them in a, in a small intimate environment to be able to lean in and really learn the strategy behind creating the content so that the content isn't just noise. It's not just other stuff out there that people have to scroll past. It's something that's actually bringing in, you know, um, ROI. So it's bringing in rot return on time so that they're not having to spend so much time creating it. They create it and it's, you know, specifically strategized for their particular business so that we can, um, Rican really put it out there in a way that's going to gain, get traction and it's going to help boost their brand.

Simone Mercer Huggins:
Amazing. And so that's obviously a big vision for you, which is really exciting and a big part of that. I know that you do, you know, part that work is to build your personal brand and you, I've seen you speak about, you know, how the steps to that is firstly kind of identifying your values and then prioritizing them and then identifying your passions and your ideal traits and things like that. And I see a lot of parallels when it comes to particularly the first two that come under, you know, building your postal brand with identifying your values and prioritizing them, because that is so true with when it comes to money and wealth and really improving your relationship with those two things and creating wealth in your life, it comes down to prioritizing your values and what we spoke about before, about how no one, everyone values the same thing. And we don't want money just for money and kind of how important it is to really get clear on that. So that your aligned, I guess, does that make sense?

Ruth O'Neill:
No, exactly. And the key with creating that strong personal brand by having those specific priorities is that is something that is really gonna set you apart. No matter if you're have a podcast, a YouTube channel, no matter if you're doing like whatever your business is, being very clear on your values and your priorities is something that's going to set you apart in the long run. And it's also going to be a very good navigator so that when you know, junior, um, uh, partners come in or when you have people wanting to do joint ventures and things like that, um, you're able to very quickly go, does this align with my, my values? No. Okay. And it's, it's very quick to be able to say, Hey, thank you so much, but it's just not something that we're interested in this time versus if you really don't know where you're going, you're not going to know when you get, when you get there or where you need to go. So that really helps you just stay focused on, this is me. This is my business. This is what I stand for. And this is what I don't stand for. These are things that are important to me. And it just really gives you a, you know, kind of one of those boring, straight roads that just leads to one destination. That's what she needed in order to not have that shiny object syndrome where you're constantly getting pulled in so many different directions. Yeah, absolutely. And I feel like, I feel like that parallel is it's such a,

Simone Mercer Huggins:
The core requirement for all like all areas of your life, because I like what you just said. Honestly, it sums up, you know, being clear on your values when it comes to what you spend your money on, being clear in your values when it comes to, you know, even if you're, uh, in a career and, you know, you're bringing that into the world, whether it, you know, your values in terms of your family and what you guys stand for as a whole, like really that,

Ruth O'Neill:
That, that is a core component for so many areas of our life. And I feel like it's missed so often. Well, see, that's the thing too. And my girl, Rachel Hollis says it so well, she's like, if it's not a hell, yes, then it's a no, if that is something that is not, you are absolutely like, yes, this aligns with me and then go for it. If you have to actually stop and think like, Hmm, is this something I want to get involved in? Is this something I want to spend my money on? Is this, you know, is this a job? I actually want to ask my boss for a raise in like, do I see myself staying here? Um, if it's not an automatic, like yes, 100% really look at that and you need to identify, okay, why do you have to think about this? It, you should know one way or another. And just having those priorities will make some of those, you know, some of those situations where you feel like you should say yes, or you should say, no, it'll make it really clear for you. Like, no, this doesn't align with my values. So I'm out, but thank you so much for thinking of me,

Simone Mercer Huggins:
Right? Exactly. No, I love that. And you know, what, what you said about shiny object syndrome and that is so true for money and does this align with my values and you know, who I am and what I'm creating, and it can be as small as am I going to blow this much money or is it just a shiny object or as big as, Hey, does this opportunity in my life align with where I want to take everything? You know, that's why it's so important to get them right, to get clear on them, because it impacts the smallest to the largest things in, in our life. And what we're creating

Ruth O'Neill:
Exactly personally, professionally, like as far as from what we eat, as far as when we spend, I know one thing that I've started asking myself, and this might sound silly and might sound very, you know, entry level. But for me, since I had that unhealthy relationship with money, one thing that I asked myself before I buy literally everything is, does this support the life I'm trying to create? Whether that's my health, whether that's my, you know, physical environment, is this going to get me closer to where I want to go? And I know earlier I was saying that I like to spend money on, you know, good business equipment, you know, a good mic, a good light laptop and things like that. It's not because I want to have the flashy things. I could care less about the flashy things. It's because this does support the life I'm trying to create.

Ruth O'Neill:
And as I'm trying to do grow there, as I'm trying to get closer and closer every single day, having these physical things is kind of a, a physical representation. And it kind of helps me to keep focusing on those days, um, that we all have where we feel like I'm not getting anywhere, or am I on the right path? Things like that. And so when you're able to identify, yes, this does support life. I'm trying to create, or no, this doesn't, and tomorrow I'm going to feel sick. If I eat this tonight, you know, then it helps you to identify like what, what choices you are making. And it goes all back to money. Is what choices are you making with your money? You know, are you making, are you making in a sense wealthy decisions as far as spending your money wisely? Or are you making, I mean, I don't mean it in a rude way, but poor people decisions you spend money to impress other people, like how are you spending your money?

Ruth O'Neill:
Um, and why? I think it goes back to the intention of why are you spending your money? Are you spending this to further your business and further you, or is this to make your neighbors think you're better off than you are? We all have to look at that. Totally. I think that's perfect. You summed it up perfectly. And yeah, like sometimes it sounds really harsh, but genuinely, and I think it was a great question. Then you are like, and you making a poor people's decision. Like so many of us spend money to impress people that we actually just don't care about. And it, you know, and then we committed to that decision for a really long period of time. In some cases, if you buy like a flashy car like that, you can't afford and it's, yeah, it's scary. I find it scary. And the majority of the time is you think that buying whatever it happens to be will impress them.

Ruth O'Neill:
Whereas they're not even thinking you're not even on their radar. They're not even thinking about you or thinking about the things that you're buying. And so you're wasting the time thinking about them, which is none of your business, what they think about you and you're wasting your money, trying to impress people who care less. Right. It's so crazy. I think we all think that we're so worried about what people think of us and yet all of us are really just worried about our own kind of little wall, pretty selfish. Yeah. Inherently we are. And, uh, yeah, I think it's a good reminder. Yeah, it's really interesting. Cause I just, um, it's only been over the last couple of years where the whole, me wanting to actually have that financial freedom for my family was something I didn't feel ashamed of wanting and growing and, you know, learning those different things.

Ruth O'Neill:
It's so interesting how, and not like our parents ever intended for us to have this negative outlook or anything, but when you look back, it's so interesting how those little nuance, those little nuances, those little things that they would say, how that actually really makes you feel towards, you know, earning a lot of money. And I know that when I made my, um, I think it was my first 10 K deal. I had to tell myself, this is not a lot of money. Like I'm not a big shot. You know, this is like pennies, but we're so trained to think like, Oh my gosh, you know, $10,000, like Holy cow, when it's not that much. And like the more money that you earn just means that the more money that you can use to help other people like it doesn't have to be equal.

Simone Mercer Huggins:
No, no, exactly. No, I completely agree. And I love that. We now have the ability to really change our perspective on things, you know, as you grew up and as you get older and you start to realize that hold on, these beliefs that I grew up with, you know, the stories I was told that didn't have to be mine, they went inherited and I believed them. And that was okay. Cause I was young and I didn't know any different, but that, you know, we can start to change our perspective. And I agree, like there was once a time where I thought 10 or even a hundred thousand dollars was a splodge amount of money. And now I'm like, Whoa, that's just like the first step.

Ruth O'Neill:
So a lot of what you teach is kind of opposite of like what Dave Ramsey teaches. Right. I am not a fan of them, Dave Ramsey. Yeah. Yeah. No. The more that I'm learning about money, I'm learning that what he teaches is not a healthy is not really healthy. No, it's really scary. Like some

Simone Mercer Huggins:
Pots of money management, a good, you know, teaching people to split their money essentially like allocate the money. But the rest of it is I find really scary, like this idea that you have to buy a house and then like pay down all the debt, like really, really fossil that house because it's the worst thing ever. And almost like this, you know, you have to scrimp and save and I'm like, I just, it's just not a way to live. It's terrible. And there's no focus on making more money.

Ruth O'Neill:
I'm I'm Catholic, but it seems like we have very similar as far as like we believe in God. And like, I feel that a lot of Christians in general have that same, the more money you make, the more evil you'll probably do. So don't make that money.

Simone Mercer Huggins:
Yeah. Yeah. It's um, I I've noticed that he has a very, he uses, well, this is my, my view, but he uses his kind of Christian, um, background as part of his money men, you know, money teachings essentially. And I see a lot of it is really intertwined. I'm not personally Christian or Catholic or, you know, I don't believe in God, I believe in a God, but I don't know what that is. Um, and so I guess I don't have that attachment and I learned, you know, he is a go that, you know, money is just a form of energy exchange. It's got nothing to do with good or evil and it doesn't discriminate it's we made it up. Um, and it's yeah, it's, it's unfortunate and really scary that that's what is being taught.

Ruth O'Neill:
Well, especially in, as far as like the being Christian and everything, like in our Bible and everything, there is a lot of evil people who were very, and I feel like that's something that's just associated with, the more money you have, the more evil you are like, and I, and it's so it's so not true. Um, and I think it has to go with, I mean, and I, and I know this is, this is kind of weird, but like NLP can be used for good and can be used for evil, but NLP is not intrinsically evil. It's just how you use it. And again, it's just something that we use. So money is just something that we use. Right.

Simone Mercer Huggins:
Exactly. And, you know, I use the analogy of, I could give you a knife and you could take that knife and cut up an Apple and give it to your sons as food, you know, as a healthy, you know, like treat right. Or you could take that knife and stab someone. And I know that's really graphic, but like it, that doesn't make the knife evil. It's just, it's, it's the person that chooses what to do with it. And yet, yeah. So I think that's why I really lows individuals, particularly who, you know, have built a massive empire teaching people that having too much of one thing is evil when it's got nothing to do with the thing and everything to do with the person.

Ruth O'Neill:
Right. Right. Which goes into your character, which goes into self development, which takes it into everything else.

Simone Mercer Huggins:
Exactly. Yeah. Search for that. Okay. So if people want to kind of find out more and work with you and, you know, come to your retreats and join your upcoming kind of media empire, that it sounds like you're building, where can they find you?

Ruth O'Neill:
I am a Ruth O'Neil that's O N E I L L H Q on all social platforms.

Simone Mercer Huggins:
Amazing. And I'll put that in the show notes as well. Um, thank you so much for coming on the show. Ruth, I love your perspective on money and perfection and confidence and boldness and everything that we spoke about. It has been really, really great to kind of hear your view on it and get your perspective. I know eyelid, thank you so much. Yeah. And I thank you. And I look forward to seeing what media empire you create and, um, and where you take it and how you help more people live in a really bold way. That's really awesome. Awesome. Well, thank you.

Ruth O'Neill:
Yeah, I appreciate it.